CardX

Legitimate loan services. Apply and transact conveniently and securely through the app.

For cash, choose the CardX SPEEDY CASH cash withdrawal card.

Upgrade! To the CardX FLEX credit card. Withdraw/transfer cash as before, plus features for swiping and installment payments!

For a lump sum, choose the CardX SPEEDY LOAN personal loan.

Exclusive online services all in one app:

•Convert your credit limit to cash and transfer to your account* with 'Dee Jang'.

•Withdraw cash without a card at SCB ATMs.

•Check your card statement conveniently via e-Statement.

•Choose your own bill payment method.

•Set a new PIN for added security.

CardX and SCB credit card customers can use their existing credit cards via the SCB EASY app as usual.

•CardX Contact Center: 1468

•LINE: @CardXThailand

•Website: cardx.co.th

•Facebook: CardX Thailand

CardX Co., Ltd. 9 Ratchadaphisek Road, Chatuchak Subdistrict, Chatuchak District, Bangkok 10900

Interest Rates and Repayment for CardX FLEX/CardX SPEEDY CASH

•Maximum credit limit is no more than 3 times your monthly income and no more than 500,000 baht.

•Minimum payment is 3% of the billed amount, but not less than 100 baht. If the total debt and interest are less than 100 baht, the actual amount plus the installment payment for goods/services will be charged, or the full amount of the billed sum will be paid.

• Repayment Period: Minimum 4 months, Maximum 36 months.

• 0% Installment Plan for Goods/Services: Minimum 3 months, Maximum 60 months with participating merchants.

• Normal interest rate up to 25% per year.

• Interest calculated on a reducing balance basis (Effective Rate) or a fixed rate (Flat Rate).

• Interest is calculated daily according to the calendar year, not exceeding the interest rate set by the Bank of Thailand.

Example:

• Transaction date: September 20, 2069, Amount: 10,000 THB

• Account statement date: September 25, 2069

• Interest rate: 22% per year

• Interest calculated from the transaction date – account statement date = 6 days

• Interest (10,000 x 22% x 6) / 365 = 36.16 THB

Case of payment on schedule (by October 10, 2026):

Debt amount as of September 25, 2026:

Principal: 10,000.00 THB

Interest: 36.16 THB

Total debt as of September 25, 2026: 10,036.16 THB

Minimum payment:

3% (Total debt – Amount exceeding credit limit – Outstanding balance)

3% x (10,036.16 - 0 - 0) = 301.06 THB

+ Amount exceeding credit limit + Outstanding balance = 0 THB

Total minimum payment = 301.06 THB

Case of non-payment by October 10, 2026, and no further withdrawals:

Late payment interest rate = 22% + Late payment interest rate 3% = 25%

Interest will be calculated from the closing date of the previous month. Due date of this month's statement closing = 30 days

Debt balance as of October 25, 2069

Principal: 10,000.00 THB

Current interest: (10,000 x 25% x 30) / 365 = 205.48 THB

Previous interest: 36.16 THB

Total debt as of October 25, 2069 = 10,241.64 THB

Minimum payment:

3% (Total debt – Amount exceeding credit limit – Outstanding balance)

3% x (10,241.64 - 0 - 301.08) = 298.22 THB

+ Amount exceeding credit limit + Outstanding balance = 301.08 THB

Total minimum payment required = 599.30 THB

Interest Rates and Repayment for CardX SPEEDY LOAN

• Maximum loan amount is no more than 3 times your monthly income and no more than 500,000 baht.

• Normal interest rate is a maximum of 25% per year.

• Repayment period: Minimum 12 months and Maximum 72 months.

• Interest is calculated on a reducing balance basis (Effective Rate).

• Interest is calculated daily according to the calendar year, but not exceeding the interest rate set by the Bank of Thailand.

Example:

• Approval date: March 16, 2069, amount: 100,000 baht.

• Installment payment due on the 16th of every month.

• 12 installments of 9,270 baht each.

• Interest rate: 20% per year.

• Interest is calculated based on the number of days of each installment, counting from the date of the previous payment until the date of this payment (only applies to the first installment, except for the interest calculation of the previous installment). (First 5 days from loan approval date)

•Interest (100,000 x 20% x 31) / 365 = 1,698.63 THB

Case of timely payment:

Payment of 9,270 THB per installment on April 16, 2026 (payment due by April 16, 2026)

Principal 7,571.37 THB

+ Interest 1,698.63 THB

Remaining principal: 100,000 – 7,571.37 = 92,428.63 THB

Case of early payment:

Payment of 9,270 THB per installment on April 16, 2026 (payment due by April 14, 2026)

Principal 7,680.96 THB

+ Interest 1,589.04 THB

Remaining principal: 100,000 – 7,680.96 = 92,319.04 THB

In case of late payment:

Installment of 9,270 THB on April 16, 2069 (payment due April 18, 2069)

Principal: 7,571.37 THB

+ Interest: 1,698.63 THB

Remaining principal: 100,000 – 7,571.37 = 92,428.63 THB

Overdue interest (2 days) will be calculated in the next billing cycle: 109.58 THB

Borrow only what you need and can afford to repay. Interest rate: 25% per annum.

*Terms and conditions apply as defined by the company. See more at cardx.co.th